Metcalfe County, Kentucky: commercial real estate data.
Metcalfe County, Kentucky had an estimated 10,558 residents on July 1, 2024, up 2.6 percent since the 2020 census base of 10,286, across 290 square miles. County output reached $254.0 m in 2024, 118 establishments operate here, and the SBA record carries 1 7(a) approvals worth $1.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Metcalfe County
How many people live in Metcalfe County
- Population, American Community Survey 2020-202410,425
- Households4,100
- Average household size2.54
- Median household income$51,473
- Median age42.0
- Median gross rent$582 per month
- Median owner-occupied home value$110,200
- Home value to household income2.1 times
- Annual rent as a share of median income13.6 percent
- Adults 25 and over with a bachelor degree or higher13.0 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over7,211
- Population under 182,456
- Share under 1823.6 percent
- Population 65 and over1,990
- Share 65 and over19.1 percent
- Working age population, 18 to 645,979
- Civilian labor force4,436
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over55.7 percent
- Rank by population among Kentucky counties98th of 120
- Rank by population among US county-equivalents, Puerto Rico included2456th of 3,222
Metcalfe County is the 98th largest of 120 Kentucky counties by population. A median home costs 2.1 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 23.6 percent against 19.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Metcalfe County
Is Metcalfe County's population growing?
- Population, July 1, 202410,558
- Census 2020 base population10,286
- Population change since the 2020 census base2.64 percent
- Population change, 2023 to 202463
- Births, 2024118
- Deaths, 2024148
- Natural change, 2024-30
- Net domestic migration, 202438
- Net international migration, 202455
- Total net migration, 202493
- Cumulative net domestic migration, 2021 to 2024349
- Rank by growth among US county-equivalents966th of 3,144
The county has grown 2.64 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Metcalfe County
Where are people moving to Metcalfe County from?
- Tax returns filed by households arriving228
- People arriving, from those returns465
- Tax returns filed by households leaving204
- Net household movement24
- Adjusted gross income arriving$8.1 m
- Net adjusted gross income movement$856,000
- Average income of an arriving household$35,421
- Average income of a leaving household$35,392
- Largest single originBarren County (75 households)
- Largest single destinationBarren County (94 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Barren County | 75 | 166 | $3.0 m |
Households arriving report $29 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Barren County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Metcalfe County
What is the Metcalfe County economy?
- County GDP, 2024$254.0 m
- County GDP, 2023$236.0 m
- GDP change, 2023 to 20247.7 percent
- GDP change over five years38.8 percent
- Rank by GDP among the Kentucky areas BEA publishes104th of 120
- Rank by GDP among the US county areas BEA publishes2798th of 3,127
- GDP per resident$24,365
Output grew 7.7 percent in the latest year and 38.8 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Metcalfe County
Employment by industry in Metcalfe County
- Covered employment, annual average2,174
- Establishments reporting258
- Average annual pay$44,358
- Average weekly wage$853
- Health care and social assistance, employment570
- Health care and social assistance, average annual pay$37,400
- Manufacturing, employment489
- Manufacturing, average annual pay$60,930
- Retail trade, employment158
- Retail trade, average annual pay$28,925
- Transportation and warehousing, employment68
- Transportation and warehousing, average annual pay$30,356
- Finance and insurance, employment44
- Other services, except public administration, employment37
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 570 | 58 | $37,400 |
| Manufacturing | 489 | 19 | $60,930 |
| Retail trade | 158 | 27 | $28,925 |
| Transportation and warehousing | 68 | 11 | $30,356 |
| Finance and insurance | 44 | 14 | $49,700 |
| Other services, except public administration | 37 | 7 | $46,412 |
| Professional, scientific and technical services | 31 | 30 | $67,178 |
| Wholesale trade | 24 | 11 | $66,711 |
Health care and social assistance is the largest private sector at 570 jobs, 26.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Metcalfe County
How many businesses are in Metcalfe County?
- Establishments, all industries118
- Employment at those establishments1,234
- Annual payroll$53.6 m
- Establishments per 1,000 residents11.3
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Metcalfe County
SBA loans in Metcalfe County (7(a) and 504)
- 7(a) approvals recorded1
- 7(a) gross approval dollars$1.4 m
- Average 7(a) approval$1,402,000
- Median 7(a) approval$1,402,000
- Largest single approval$1,402,000
- Jobs reported supported, 7(a)4
- Jobs per approval4.0
- Distinct 7(a) lenders active1
- Distinct industries receiving approvals1
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer100.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter0
- Franchise loans0
- Franchise share of approvals0.0 percent
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Metcalfe County
SBA loan default and charge-off rates in Metcalfe County
Do SBA loans in Metcalfe County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure1
Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Metcalfe County
How large is Metcalfe County?
- Land area290 sq mi
- Rank by land area among Kentucky counties68th of 120
- Width, east to west16.1 mi
- Height, north to south25.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land36
- Establishments per square mile0.41
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Metcalfe County
Flood risk in Metcalfe County
- Participation of the county's own NFIP community Metcalfe County, unincorporated areasParticipating, community 210345
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Metcalfe County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Metcalfe County (community 210345), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Metcalfe County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Metcalfe County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Metcalfe County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202410,425
- Households4,100
- Average household size2.54
- Median household income$51,473
- Median age42.0
Common questions
Metcalfe County questions, answered from the record.
How many people live in Metcalfe County, Kentucky?
The Census Bureau estimates 10,558 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 10,425, in 4,100 households, ranking 98th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Metcalfe County's population growing?
The population has grown 2.64 percent since the 2020 census base of 10,286, to 10,558 on July 1, 2024. In 2024 there were 118 births against 148 deaths, with net migration of 93. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Metcalfe County?
$51,473. The median owner-occupied home is valued at $110,200, which is 2.1 times income, and median gross rent is $582 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Metcalfe County?
118 establishments, employing 1,234 people with an annual payroll of $53.6 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Metcalfe County?
Health care and social assistance is the largest private sector at 570 jobs, 26.2 percent of covered employment. Covered employment averages 2,174 jobs at an average annual pay of $44,358, or $853 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Metcalfe County?
1 7(a) approvals totaling $1.4 m since FY2020, across 1 lenders, with a median approval of $1,402,000. These are approvals recorded in the release, not loans disbursed.
What is the radon zone for Metcalfe County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Metcalfe County come from?
The largest single origin is Barren County, with 75 households. Arriving households report an average income of $35,421 against $35,392 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Metcalfe County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Metcalfe County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Metcalfe County
Cities and places in Metcalfe.
2 Census places lie wholly or partly in Metcalfe County. All 2 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Edmonton | city | 2,330 | 1 | Wholly in this county |
| Summer Shade | CDP | 532 | None recorded | Wholly in this county |
Nearby